CDs

To determine interest rates on Certificates of Deposits from sources outside California, contact Ken Donahue or Dennis Woods at 1-888-683-6030.

Posted Rates and Annual Percentage Yields (APY) are effective as of 06/02/14.

Term in months

Under $100,000

APY*

$100,000 & over

APY*

30 days

0.12%

0.12%

0.27%

0.27%

90 days

0.12%

0.12%

0.27%

0.27%

180 days

0.15%

0.15%

0.30%

0.30%

270 days

0.15%

0.15%

0.30%

0.30%

1 year

0.20%

0.20%

0.35%

0.35%

18 months

0.25%

0.25%

0.40%

0.40%

2 years

0.35%

0.35%

0.50%

0.50%

3 years

0.45%

0.45%

0.60%

0.60%

4 years

0.55%

0.55%

0.70%

0.70%

5 years

0.65%

0.65%

0.80%

0.80%

CDs require a minimum of $1,000.00 to open and earn the APY. CDs $100,000.00 & over require a minimum balance of $100,000.00 to earn the APY. Fees may reduce the earnings of the account. A penalty may be imposed for early withdrawal.

Term

4 weeks

13 weeks

26 weeks

52 weeks

2 years

3 years

5 years

CDARS

0.15%

0.15%

0.18%

0.23%

0.38%

0.48%

0.68%

APY*

0.15%

0.15%

0.18%

0.23%

0.38%

0.48%

0.68%

CDARS = Certificate of Deposit Registry Service - We place your funds with FDIC insured institutions, acting as your broker. We provide you with monthly statements for all CDARS deposits and all of your CDARS deposits are insured by FDIC. A convenient, very safe and simple CD investment program.

Floating Rate

APY*

0.30%

0.30%

This is a variable rate account set at the Wall Street Journal Prime (WSJP) less 2.75%. The interest will change with WSJP rate, but will never drop below the initial rate of APY. Floating Rate CDs require a minimum of $10,000.00 to open and to earn the APY. Fees may reduce the earnings of the account. A penalty may be imposted for early withdrawal.